Incision of burn scab initi at OSF Saint Anthony Medical Center
5666 East State Street, Rockford, IL · Osfhealthcare · · NPI 1790739977
$739.20
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$1,232.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$217.70 with Humana vs $1,524.70 with The Alliance — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Humana | All Commercial Plans | $217.70 | ↓ -71% |
| Health Alliance Plan | Medicare Managed Care Plan | $435.63 | ↓ -41% |
| Aetna | Medicare Managed Care Plan | $439.99 | ↓ -40% |
| BCBS | Medicare Managed Care Plan | $444.34 | ↓ -40% |
| Zing | Medicare Managed Care Plan | $457.41 | ↓ -38% |
| UnitedHealthCare | All Commercial Plans | $693.00 | ↓ -6% |
| Caterpillar | All Commercial Plans | $1,468.00 | ↑ +99% |
| The Alliance | All Commercial Plans | $1,524.70 | ↑ +106% |
Visitor-reported prices
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Incision of burn scab initi at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $262.20 | $139.84 – $2,143.62 |
| Advocate Good Samaritan Hospital | Downers Grove | $445.00 | $350.66 – $799.64 |
| UnityPoint Health - Trinity Moline | Rock Island | $494.40 | $174.73 – $466.37 |
| OSF Little Company of Mary Medical Center | Evergreen Park | $367.80 | $308.00 – $810.27 |
| OSF St Joseph Medical Center | Bloomington | $853.20 | $435.63 – $1,383.00 |
| OSF Saint Elizabeth Medical Center | Ottawa | $432.00 | $435.63 – $444.34 |
| OSF Saint James John W Albrecht Medical Center | Pontiac | $819.20 | $435.63 – $1,766.00 |
| OSF Saint Francis Medical Center | Peoria | $399.60 | $217.70 – $1,480.97 |